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[Check applicable box(es)] <br />❑ Adjustable Rate Rider <br />❑ Graduated Payment Rider <br />❑ Balloon Rider <br />❑ Other(s) [Specify] <br />200007232 <br />❑ Condominium Rider <br />❑ Planned Unit Development Rider <br />❑ Rate Improvement Rider <br />❑ 1 -4 Family Rider <br />❑ Biweekly Payment Rider <br />❑ Second Home Rider <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any <br />rider(s) executed by Borrower and recorded with it. <br />Witnesses: <br />STATE OF NEBRASKA <br />(Seal) <br />rrow r I HAEL KE Y <br />KA, (Seal) <br />Borrower LUCILLE M KERBY <br />(Seal) <br />Borrower <br />Borrower <br />Space Below This Line For Acknowledgment) <br />SS: <br />(Seal) <br />COUNTY OF DOUGLAS <br />I, G1,.Rv (?a-112 `� a Notary Public in and for said county and state, do hereby certify <br />that MICHAEL P KERBY AND LUCILLE M KERBY HUSBAND AND WIFE <br />personally appeared before me and is (are) known to me to be the person(s) who, being informed of the contents of the foregoing <br />instrument, have executed same, and acknowledged said instrument to be their free and voluntary act and deed and <br />(his, her, their) <br />that they executed said instrument for the purposes and uses therein set forth. <br />(he, she, they) <br />Witness my hand and official seal this 18th day of August 2000 <br />My Commission Expires: AL GENERAL NOTARY -State of Nebraska <br />Hl JOANNA THOMAS <br />_ My Comm. Exp. June 1, 2004 <br />This instrument was prepared by: <br />Page 5 of 5 Form 3028 9/90 <br />F824811VIG (1/93) <br />